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Welcome to Oak Business Consultant’s Privacy Policy

— Your privacy is critically important to us.

These terms and conditions outline the rules and regulations for the use of Oak Business Consultant‘s Website.  

Oak Business Consultant  (“Website”) is owned and Operated by OAK BUSINESS CONSULTANT, with address at registered 1-5-11-3, 3-Chome-1 Midoricho, Kasukabe, Saitama 344-0063in Japan, (collectively, “Oak Business Consultant”, “we”, “us”, “our”), are committed to protecting our client’s privacy, including their personal information defined in section 1.2. It is Oak Business Consultant’s policy to respect your privacy regarding any information we may collect while operating our website.

This Privacy Policy applies to https://oakbusinessconsultant.com/ (hereinafter, “us”, “we”, or “https://oakbusinessconsultant.com/”). We respect your privacy and are committed to protecting personally identifiable information you may provide us through the Website. We have adopted this privacy policy (“Privacy Policy”) to explain what information may be collected on our Website, how we use this information, and under what circumstances we may disclose the information to third parties. This Privacy Policy applies only to information we collect through the Website and does not apply to our collection of information from other sources.

This Privacy Policy, together with the Terms and conditions posted on our Website, set forth the general rules and policies governing your use of our Website. Depending on your activities when visiting our Website, you may be required to agree to additional terms and conditions.

By accessing this website we assume you accept these terms and conditions in full. Do not continue to use Oak Business Consultant’s website if you do not accept all of the terms and conditions stated on this page. 

1. Definitions 

1.1.  “Personal Information” 

This refers to any information that identifies you personally, directly or indirectly, including contact information, such as your name, email address, aliases, company name, physical and postal address, phone number, IP address, credit card details, and other information about yourself or your household. Personal Information can also include information about any transactions, both free and paid, that you enter into on the Websites.

1.2. “Website” and  “Products” 

This Privacy policy implies to this website including product as Financial Tools as well as any other sites owned and operated by us and related processing activities carried out on our behalf by third parties, e.g., for the purpose of conducting online marketing, payment processing, customer support, as well as other types of services, as described below. The Privacy Policy also applies to our Products or Financial Tools offered through our Websites (the “Shop”). 

2. Changes and Updates 

Oak Business Consultant can update and/or change these terms at any time. By using this website users also agree that he/she won’t have any objection to updated and/or changed terms and conditions when you visit it under new terms and conditions in the future. If the user does not agree, he/she must refrain from using this website.

3. Questions and Concerns 

If you have any questions and concerns regarding privacy and policy, please contact us at [email protected]

4. Website Visitors

Like most website operators, Oak Business Consultant collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Oak Business Consultant’s purpose in collecting non-personally identifying information is to better understand how Oak Business Consultant’s visitors use its website. From time to time, Oak Business Consultant may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Oak Business Consultant also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on https://oakbusinessconsultant.com/ blog posts. Oak Business Consultant only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below.

5. Gathering of Personally-Identifying Information

Certain visitors to Oak Business Consultant’s websites choose to interact with Oak Business Consultant in ways that require Oak Business Consultant to gather personally-identifying information. The amount and type of information that Oak Business Consultant gathers depend on the nature of the interaction. For example, we ask visitors who sign up for a blog at https://oakbusinessconsultant.com/ to provide a username and email address.

6. Security

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

7. Advertisements

Ads appearing on our website may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Oak Business Consultant and does not cover the use of cookies by any advertisers.

8. Aggregated Statistics

Oak Business Consultant may collect statistics about the behavior of visitors to its website. Oak Business Consultant may display this information publicly or provide it to others. However, Oak Business Consultant does not disclose your personally-identifying information.

9. Cookies 

We employ the use of cookies. By using Oak Business Consultant’s website you consent to the use of cookies in accordance with Oak Business Consultant’s privacy policy. Most of the modern-day interactive web sites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate/advertising partners may also use cookies. 

To enrich and perfect your online experience, Oak Business Consultant uses “Cookies”, similar technologies and services provided by others to display personalized content, appropriate advertising and store your preferences on your computer.

A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. Oak Business Consultant uses cookies to help Oak Business Consultant identify and track visitors, their usage of https://oakbusinessconsultant.com/, and their website access preferences. Oak Business Consultant visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Oak Business Consultant’s websites, with the drawback that certain features of Oak Business Consultant’s websites may not function properly without the aid of cookies.

By continuing to navigate our website without changing your cookie settings, you hereby acknowledge and agree to Oak Business Consultant’s use of cookies.

10. License 

License Unless otherwise stated, Oak Business Consultant and/or it’s licensors own the intellectual property rights for all material on Oak Business Consultant. All intellectual property rights are reserved. You may view and/or print pages from https://oakbusinessconsultant.com/ for your own personal use subject to restrictions set in these terms and conditions.

You must not:

  • Republish material from https://oakbusinessconsultant.com/
  • Sell, rent or sub-license material from https://oakbusinessconsultant.com/
  • Reproduce, duplicate or copy material from https://oakbusinessconsultant.com/

Redistribute content from Oak Business Consultant (unless content is specifically made for redistribution).

11. User Comments

This Agreement shall begin on the date hereof.

Certain parts of this website offer the opportunity for users to post and exchange opinions, information, material and data (‘Comments’) in areas of the website. Oak Business Consultant does not screen, edit, publish or review Comments prior to their appearance on the website and Comments do not reflect the views or opinions of Oak Business Consultant, its agents or affiliates. Comments reflect the view and opinion of the person who posts such view or opinion. To the extent permitted by applicable laws Oak Business Consultant shall not be responsible or liable for the Comments or for any loss cost, liability, damages or expenses caused and or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

Oak Business Consultant reserves the right to monitor all Comments and to remove any Comments which it considers in its absolute discretion to be inappropriate, offensive or otherwise in breach of these Terms and Conditions.

You warrant and represent that:

  • You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
  • The Comments do not infringe any intellectual property right, including without limitation copyright, patent or trademark, or another proprietary right of any third party;
  • The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material or material which is an invasion of privacy
  • Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.
  • You hereby grant to Oak Business Consultant a non-exclusive royalty-free license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

We accept no liability in respect of any product uploaded and article published by us and are not responsible for its contents or accuracy.

12 . Hyperlinking to our Content

Our Service may contain links to external sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy and the terms and conditions of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites, products or services.

The following organizations may link to our Web site without prior written approval:

  • Government agencies;
  • Search engines;
  • News organizations;
  • Online directory distributors when they list us in the directory may link to our Web site in the same

manner as they hyperlink to the Web sites of other listed businesses. 

These organizations may link to our home page, to publications or to other Web site information so long as the link: 

(a) is not in any way misleading; 

(b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and 

(c) fits within the context of the linking party’s site.

We will approve link requests from these organizations if we determine that: 

(a) the link would not reflect unfavorably on us or our accredited businesses (for example, trade associations or other organizations representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed to link); 

(b)the organization does not have an unsatisfactory record with us; 

(c) the benefit to us from the visibility associated with the hyperlink outweighs the absence of Oak Business Consultant; and 

(d) where the link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organization.

These organizations may link to our home page, to publications or to other Web site information so long the link: 

(a) is not in any way misleading; 

(b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and 

(c) fits within the context of the linking party’s site.

If you are among the organizations listed in paragraph 2 above and are interested in linking to our website,

you must notify us by sending an e-mail to [email protected]

Please include your name, your organization name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our Web site, and a list of the URL(s) on our site to which you would like to link. Allow 2-3 weeks for a response.

Approved organizations may hyperlink to our Web site as follows

By use of our corporate name; or

By use of the uniform resource locator (Web address) being linked to; or

By use of any other description of our Web site or material being linked to that makes sense within the context and format of content on the linking party’s site.

13. Copyright 

All rights on our website and its content (not limited to description photos) are the property of Oak Business Consultant. In accessing this website and the products on or accessible via it, you agree that these may not be copied, distributed, published, licensed, used or reproduced in any way. 

No use of Oak Business Consultant’s logo or other artwork will be allowed for linking absent a trademark license agreement.

14. Iframes

Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.

15. Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.

16. Removal of links from our website

If you find any link on our Web site or any linked web site objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you.

Whilst we endeavor to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

17. Content Liability

We shall have no responsibility or liability for any content appearing on your Web site. You agree to indemnify and defend us against all claims arising out of or based upon your Website. No link(s) may appear on any page on your Web site or within any context containing content or materials that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

18. Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:

  • limit or exclude our or your liability for death or personal injury resulting from negligence;
  • limit or exclude our or your liability for fraud or fraudulent misrepresentation;
  • limit any of our or your liabilities in any way that is not permitted under applicable law; or
  • exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: 

(a)are subject to the preceding paragraph; and

 (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty. To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

19. Financial Tools – Shop Page

On our website, you will see different prices. We try our level best that prices are accurate, includes no hidden charges and affordable without compromising on quality. However, it cannot be guaranteed. Any prices of the product or service may change without prior notice. All financial tools are built inhouse and property of Oak Business Consultant,  If you have any concern about the Oak products in shop page, please contact us at [email protected]

20. Applicable Law and Disputes 

This Agreement of these terms shall be governed by the laws of Pakistan whose courts shall have exclusive jurisdiction over all disputes arising in connection with this Agreement. 

21. Affiliate Disclosure

This site uses affiliate links and does earn a commission from certain links. This does not affect your purchases or the price you may pay.

22. Payment Policy

  1. All payments are done via PayPal. PayPal accepts Visa, Mastercard, American Express, JCB, Discover and Diners Club.
  2. An email will be sent following your purchase and will serve as an invoice.
  3. There are no hidden charges or VAT on the Financial Model or Tools. 
  4. The buyer of the Financial Model will bear all expenses or payment processing fees before Purchase.  
  5. Financial Tools will be available for download when the user confirms the payment through Checkout. We accept Credit Card, Debit card. We acknowledge our users by sending the invoice with downloadable version of the Financial model.

23. Return or Refund Policy

  1. Our Products, especially digital products such as “Excel Templates”, and “Services” are sold “as is” and we cannot simply take them back. As such, we do not offer any refunds.
  2. However, in case the Products or Services have mistakes, issues, or are incorrect, we will happily receive feedback and will do our best to correct them with no extra charges if notified within 14 days of purchase.

Simply email us at [[email protected]] and we will get back to you within 24hrs.

24. License and Permitted Use

By purchasing the Content or Services from Oak Business Consultant, the User receives a lifelong, royalty-free license to use the Financial Model or Tools as follows:

  1. The duration of the license to use the spreadsheet downloaded or purchased via Oak Business Consultant is unlimited.
  2. The User has the right to download, store, copy, edit, print & use the spreadsheets for personal or professional use.
  3. Products are purchased “as is”. The license does not entitle receiving future model updates. Feel free to review the structure of the spreadsheet available as demo versions prior to purchasing or contact us for clarification.
  4. The model can be used within your team provided that your team size does not exceed 5 persons.
  5. All copyrights of the provided Content remain with the Authors/Vendors.
  6. The User is not allowed to publish our spreadsheet online, sell our spreadsheet, sub-license, commercialize or otherwise provide public access.
  7. Reselling a Product or Service or any derivative, purchased or obtained from Oak Business Consultant,, specifically is not permitted.
  8. The intentional removal of security measures to protect downloaded files is not permitted and violates the intended use.


  1. Important: This is a digital product which – once purchased – we cannot take back. Therefore, please double check that you have selected the right product(s) in your cart. If you have any questions related to what exactly you get when purchasing our financial model templates, please contact us via the chat or by email ([email protected]) before you purchase.
  2. In case the cart shows empty, please clear your browser cache, go back to the previous page and select the product again. After confirming the contents of your cart, please proceed with the checkout by scrolling down and enter the necessary billing details / information needed to complete the transaction.